Call reports 2016
TOWN & COUNTRY BANK — 2016
What TOWN & COUNTRY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 146,961,000 | 150,884,000 | 156,963,000 | 153,031,000 |
| Total loans | 98,590,000 | 103,014,000 | 107,413,000 | 102,760,000 |
| Allowance for loan losses | 1,279,000 | 1,280,000 | 1,274,000 | 1,324,000 |
| Securities available for sale | 36,633,000 | 36,816,000 | 37,158,000 | 39,478,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 119,305,000 | 123,226,000 | 122,698,000 | 120,918,000 |
| Interest-bearing deposits | 97,730,000 | 101,126,000 | 100,938,000 | 98,870,000 |
| Noninterest-bearing deposits | 21,575,000 | 22,100,000 | 21,760,000 | 22,048,000 |
| Equity capital | 17,131,000 | 17,529,000 | 17,879,000 | 17,162,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,635,000 | 3,125,000 | 4,691,000 | 6,200,000 |
| Interest expense | 289,000 | 478,000 | 680,000 | 873,000 |
| Net interest income | 1,346,000 | 2,647,000 | 4,011,000 | 5,327,000 |
| Noninterest income | 107,000 | 215,000 | 347,000 | 473,000 |
| Noninterest expense | 851,000 | 1,564,000 | 2,249,000 | 3,104,000 |
| Provision for loan losses | 0 | 0 | 0 | 50,000 |
| Pretax income | 608,000 | 1,312,000 | 2,123,000 | 2,660,000 |
| Income tax | 119,000 | 333,000 | 569,000 | 814,000 |
| Net income | 489,000 | 979,000 | 1,554,000 | 1,846,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,973,000 | 17,274,000 | 17,660,000 | 17,637,000 |
| Total capital | 18,252,000 | 18,554,000 | 18,934,000 | 18,961,000 |
| Risk-weighted assets | 123,123,000 | 126,515,000 | 130,709,000 | 127,930,000 |